Credit union · NCUA insured
Copper State Credit Union Auto Loan Rates
Copper State Credit Union auto loans start at 5.25% APR for a new vehicle and 6.50% for a used one. Rates checked October 22, 2026.
How Copper State Credit Union’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Copper State Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Copper State Credit Union
5.25%APR
- Terms
- up to 60 months
- Up to
- 11.75% APR
Auto Loans For New And Used Vehicles
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Up to
- —
Copper State Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Copper State Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
Membership required. Flexible terms ranging from 12 to 84 months. Refinanced auto loans must be from another financial institution. Rates shown are for vehicles 5 years old or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | Fixed rates as low as for new cars. |
| up to 60 months | 5.25% | Fixed rates as low as for new cars. |
| up to 60 months | 5.55% | Fixed rates as low as for used cars. |
| up to 60 months | 5.25%–11.75% | ≤90% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 5.55%–9.35% | ≤90% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.00%–10.30% | ≤90% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 60 months | 5.60%–12.10% | ≤105% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 5.90%–9.70% | ≤105% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.35%–10.65% | ≤105% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 60 months | 5.85%–8.10% | ≤120% LTV; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 6.15%–8.50% | ≤120% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.60%–9.15% | ≤120% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
Sources (2)
All captured Oct 22, 2026
Auto Loans For New And Used Vehicles
Membership required. Rates shown are for vehicles 5 years old or newer (2021 and newer). Rates may be higher for vehicles older than five years or with high mileage. Refinanced auto loans must be from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.25%–11.75% | ≤90% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 5.55%–9.35% | ≤90% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.00%–10.30% | ≤90% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 60 months | 5.60%–12.10% | ≤105% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 5.90%–9.70% | ≤105% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.35%–10.65% | ≤105% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 620-649). Rates shown are for vehicles 5 years old or newer. |
| up to 60 months | 5.85%–8.10% | ≤120% LTV; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
| up to 72 months | 6.15%–8.50% | ≤120% LTV; minimum financed amount $15,000 for 72 month term; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
| up to 84 months | 6.60%–9.15% | ≤120% LTV; minimum financed amount $25,000 for 84 month term; 84-month term for used vehicles subject to Copper State CU approval; rates vary by credit tier (760+ to 650-679). Rates shown are for vehicles 5 years old or newer. |
| up to 60 months | 6.50% | Fixed rate as low as 6.50% APR for 60 month term for used autos (2015-2020). |
Who can join Copper State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Arizona are eligible for membership.
Other ways
- Individuals may join by meeting other membership requirements.
Cost to join
- A minimum share deposit of $5.00 is required to open a Savings Account.
Membership information collected October 4, 2026.